Below are the complete branch details for Indian Overseas Bank, DIGITAL BANKING UNIT branch, located in SOLAN, HIMACHAL PRADESH. The IFSC assigned by the Reserve Bank of India to this branch is IOBA0003809. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case IOBA0003809 for Indian Overseas Bank – DIGITAL BANKING UNIT — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Indian Overseas Bank – DIGITAL BANKING UNIT is IOBA0003809. The first four letters IOBA are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters 003809 map to this branch in SOLAN, HIMACHAL PRADESH.
About Indian Overseas Bank
Indian Overseas Bank operates a wide network of branches across India, including the Digital Banking Unit branch in Solan. Each branch is enabled for NEFT, RTGS, IMPS and core banking, allowing customers to send and receive money anywhere in the country using a unique IFSC – in this case, IOBA0003809.
About this branch
The branch is located at SHOOLINI HOUSE,NEAR NEW BUS STAND,KATHER BYE PASS. It serves the Solan region and is connected to the bank's core banking platform, which means transactions initiated here are instantly visible across all other branches of Indian Overseas Bank. The IFSC IOBA0003809 is used to identify this branch on the RBI payments network.
Branch details at a glance
| Bank Name | Indian Overseas Bank |
|---|---|
| Branch | Digital Banking Unit |
| IFSC Code | IOBA0003809 |
| MICR Code | Refer to cheque leaf |
| Branch Address | SHOOLINI HOUSE,NEAR NEW BUS STAND,KATHER BYE PASS |
| City | Solan |
| District | Solan |
| State | Himachal Pradesh |
| STD Code | 1792 |
| Phone | 298766 |
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Indian Overseas Bank's DIGITAL BANKING UNIT branch came to be assigned the code IOBA0003809.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC IOBA0003809, money simply cannot be routed to the DIGITAL BANKING UNIT branch electronically.
MICR & cheque-truncation details
Cheques drawn on the Digital Banking Unit branch are processed through the Cheque Truncation System (CTS). Each cheque carries a unique 9-digit MICR code that pairs with IFSC IOBA0003809 for clearing. If you receive a cheque from this branch, both codes will be visible on the cheque leaf.
How to transfer money using IFSC IOBA0003809
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC IOBA0003809 across all three.
How to use IFSC IOBA0003809 for an NEFT transfer
NEFT (National Electronic Funds Transfer) is the most widely used method for sending money to Indian Overseas Bank's DIGITAL BANKING UNIT branch. NEFT now settles on a 24x7 basis in half-hourly batches and has no upper limit for retail customers (individual banks may impose their own caps).
- Log in to your internet banking or mobile banking app.
- Choose Add Beneficiary and select NEFT / Other Bank.
- Enter the beneficiary name, account number and the IFSC IOBA0003809.
- Confirm the bank name auto-populates as Indian Overseas Bank and the branch as DIGITAL BANKING UNIT.
- Approve the beneficiary using OTP. Once activated, transfer any amount and the credit will reflect in the next NEFT cycle.
RTGS transfers via IFSC IOBA0003809
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Indian Overseas Bank – DIGITAL BANKING UNIT, ensure your bank's portal accepts IFSC IOBA0003809 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Indian Overseas Bank – DIGITAL BANKING UNIT, use IMPS. With IFSC IOBA0003809 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
Comparing NEFT, RTGS and IMPS for transfers to Digital Banking Unit
The right transfer rail depends on how urgent the payment is, how large it is, and whether the receiving bank participates in the chosen scheme. Every option below works with the IFSC IOBA0003809:
- NEFT — best for everyday transfers of any amount; settles in half-hourly batches around the clock.
- RTGS — best for transfers of ₹2 lakh and above; settles each transaction individually in real time.
- IMPS — best when speed matters more than batch scheduling; instant credit up to ₹5 lakh.
- UPI — best for small peer-to-peer payments using a VPA; the underlying account at DIGITAL BANKING UNIT is still linked to IFSC IOBA0003809.
For salary credits, vendor payouts and refunds, employers and merchants usually default to NEFT because of its zero per-transaction cost for retail customers and its 24x7 availability.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Indian Overseas Bank's DIGITAL BANKING UNIT branch, the IFSC IOBA0003809 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Products and account variants supported
Every account opened at the Digital Banking Unit branch is mapped to IFSC IOBA0003809 on the RBI payments network. The branch generally supports the full retail product catalogue of Indian Overseas Bank, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains IOBA0003809.
Products and services
Customers walking into the Digital Banking Unit branch can access most of Indian Overseas Bank's standard product suite, including:
- Account opening – savings, current, NRI, salary
- Term deposits and recurring deposits
- Retail and small-business loans
- Insurance and mutual-fund tie-ups
- Locker, safe deposit and ATM card services
- Online and mobile banking activation
- Electronic transfers via IFSC IOBA0003809
Digital banking channels
Most day-to-day work that customers used to do at the Digital Banking Unit branch counter can now be completed digitally — adding a beneficiary, transferring funds, applying for a fixed deposit, raising a service request or downloading account statements. The IFSC IOBA0003809 is the link between the digital channel and the branch ledger; once a transaction is confirmed, the credit or debit is reflected in the same core banking system that the branch officers see.
Reaching the branch
The Digital Banking Unit branch sits at SHOOLINI HOUSE,NEAR NEW BUS STAND,KATHER BYE PASS. If you are travelling from outside Solan, search for the branch on a maps application using the bank name and locality, or call 1792-298766 to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC IOBA0003809 and your account number.
Things to verify before sending money
Banking errors are usually small typos that snowball into delayed credits and customer-care follow-ups. Use this short checklist before you confirm any transfer to Indian Overseas Bank – DIGITAL BANKING UNIT:
- The IFSC is exactly IOBA0003809 with no extra spaces.
- The beneficiary's account number matches what they shared, digit for digit.
- The portal auto-fills Indian Overseas Bank as the bank name and DIGITAL BANKING UNIT as the branch.
- The amount and the purpose of payment are correct.
- You have a valid OTP-verifying mobile number on hand.
A 30-second review here saves hours of reconciliation later.
Working hours
Branch counters at Digital Banking Unit are usually open from 10 AM to 4 PM on weekdays. Saturdays follow the RBI's alternate-Saturday rule. Even when the branch is closed, NEFT, RTGS, IMPS and UPI transfers addressed to IOBA0003809 continue to work without interruption.
Verifying IFSC IOBA0003809 from official sources
The IFSC listed on this page is sourced from the RBI's master list and validated against the bank's branch directory. To double-check before transferring large sums, you can also confirm IOBA0003809 by:
- Looking at the cheque leaf – IFSC is printed near the MICR band.
- Opening the passbook's first page.
- Calling the branch directly on 1792-298766.
- Visiting the bank's official branch locator page.
Branch address & contact
Indian Overseas BankDigital Banking Unit Branch
SHOOLINI HOUSE,NEAR NEW BUS STAND,KATHER BYE PASS
Solan, Himachal Pradesh
Phone: 1792-298766
IFSC: IOBA0003809
Frequently asked questions
How quickly will an NEFT transfer using IOBA0003809 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Indian Overseas Bank – Digital Banking Unit reflect within 30 minutes.
Is IFSC IOBA0003809 valid for NEFT and RTGS?
Yes. IFSC IOBA0003809 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the phone number of Indian Overseas Bank Digital Banking Unit branch?
You can reach the branch at 1792-298766 during regular banking hours.
Does Indian Overseas Bank Digital Banking Unit branch offer locker facilities?
Locker availability depends on branch size and customer demand. Please contact the branch on 1792-298766 to confirm.
What is the IFSC code of Indian Overseas Bank Digital Banking Unit branch?
The IFSC code of Indian Overseas Bank, Digital Banking Unit branch is IOBA0003809. It is used for NEFT, RTGS and IMPS fund transfers to this branch.
Is IFSC IOBA0003809 the same for all accounts at Digital Banking Unit branch?
Yes. The IFSC IOBA0003809 is shared by every account held at Indian Overseas Bank's Digital Banking Unit branch. Only the account number changes from customer to customer.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the Digital Banking Unit branch but serve different purposes.
Where is Indian Overseas Bank Digital Banking Unit branch located?
Indian Overseas Bank's Digital Banking Unit branch is located at SHOOLINI HOUSE,NEAR NEW BUS STAND,KATHER BYE PASS, Solan, Himachal Pradesh.
Summary
The IFSC code IOBA0003809 belongs to Indian Overseas Bank's DIGITAL BANKING UNIT branch, located at SHOOLINI HOUSE,NEAR NEW BUS STAND,KATHER BYE PASS in SOLAN, HIMACHAL PRADESH. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
